the current situation that its strategy would be adjusted according to the situation. The Company has seen the change of consumer behavior affected by COVID-19 resulting social distancing and avoiding

last year. After a high contraction in the previous quarter the factor of income and consumer confidence has gradually improved. For the value of the export of goods Private investment indicators and

Apple and Android products. The company is an official distributor of Apple products, and new smartphone models from the Samsung brand have been launched, receiving positive responses due to high consumer

than in 2017 which mainly supported by acceleration of global economy growth. Moreover, expansion in private consumption, export growth, and private investment from last year was due to higher consumer

million bah 1,335.2 mi achieved h year. More consumer. Income from for 9 month the rental r and bevera ofit pany has g al to 607.6 mpared to th Analysis, Q3/2 mited Q3/2017 MB 132.4 222.0 244.2 76.1 130.8

from contraction of export sector as global consumer demand weakened. The tourism sector and private consumption grew at a slower pace. On the other hand, the personal loan of commercial banks and

sector the Thai economy continues to outperform with Q2 growth at 4.6% slightly below Q1 but remaining strong. Private consumption growth was robust in July and August, supported by higher consumer

in consumer behavior towards online delivery, After You has made a slight change to the previous branch expansion plan to open 6 new outlets in 2020. The new plan involves continuing with the 2-3

) shrank by 1.9 percent and SME loans (excluding financial businesses) contracted by 2.1 percent. Consumer loans (35.9 percent of all loans) grew by 7.5 percent, decelerating from the previous year, with the

right time with ever-greater consideration of consumer protection and customer privacy, taking into account the changing customer expectations. Along with this, we focus on predictive risk management